Amara Financial, LLC

Amara Financial serves individuals (including high–net-worth clients), corporations, and employer-sponsored retirement plans by providing discretionary and non-discretionary investment management, financial planning, retirement plan consulting, portfolio monitoring, and referrals to third-party managers. The firm manages roughly $250 million across about 143 client relationships with a two-advisor team and offers both comprehensive and targeted planning that can cover estate, tax, education, charitable, and other specialized areas.

The firm’s investment approach is goal-based and grounded in Modern Portfolio Theory, using diversified model portfolios primarily constructed with ETFs and mutual funds and employing both fundamental and technical analysis for security selection. Amara conducts investment manager due diligence, customizes portfolios to clients’ risk tolerances and time horizons, and provides ongoing monitoring with periodic reviews and discretionary authority where agreed.

A noteworthy feature is that the firm’s investment adviser representatives also act as licensed insurance agents/brokers and may receive commissions for insurance product sales; Amara discloses this conflict and maintains procedures intended to mitigate it. The firm also offers several less common services for a firm of its size — including cost segregation studies, corporate-structure and real estate analyses — and its staff hold credentials such as CFP, ADPA, and CDFA, supporting planning for domestic partners and divorce-related financial issues.